| Effective
August 2006. Rates subject to change
without notice. The APR is the Credit Union's standard rate. The rate may vary depending on each individual's credit history and underwriting factors.
|
| LOAN
TYPE |
ANNUAL
PERCENTAGE RATE |
New Vehicles,
Motorcycles, Tractors, Boats, ATVs, Horse Trailers
(Current + prior year less than 20,000 miles)* |
4.00% -
18.00% |
Used Vehicles,
Motorcycles, Tractors, Boats, ATVs, Horse Trailers
(Current + prior year + 20,000 miles) (Purchase/Refinance 2-4 years)* |
5.00%
- 18.00% |
| Used Vehicles,
Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Purchase/Refinance 5-9 years)* |
7.00% -
18.00% |
| Used Vehicles, Motorcycles, Tractors, Boats, ATVs, Horse Trailers (Purchase/Refinances 10+ years) |
9.00% - 18.00% |
| Personal
|
9.99% -
17.99% |
| Household
Goods, Lawn Mowers, Computers |
9.00% -
18.00% |
| 1st Mortgages
- Adjustable |
6.90% - 18.00% based on 6
month T-bill +2 (floor 5.00) adjustable.
Closing costs may range from $605.75 to $3,324.52 (based on $200,000). As of 8/8/06 the variable APR for homes is $6.99% - 9.99%. This interest rate is subject to change, but will not exceed 18% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply. |
| Home Equity
- Adjustable |
6.90% - 18.00% based on 6
month T-bill +2 (floor 6.00) adjustable.
Closing costs may range from $0 to $987.50. As of 8/8/06 the variable APR for home equity lines of credit ranges from 6.99% to 10.50%. This interest rate is subject to change, but will not exceed 18.00% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply |
| Moblie
Homes Without Land |
7.99% - 18.00% based on 6 month
T-bill +2 (floor 7.99) adjustable.
Closing costs may range from $33.00 - $51.00. As of 8/8/06 the variable APR for mobile homes with land is 7.99% to 11.99%. This interest rate is subject to change, but will not exceed 18% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply. |
| Recreational
Vehicles - Adjustable |
6.90% - 18.00% based on 6 month
T-bill +2 (floor 5.00) adjustable
up to 12 years. Fixed rates based on auto rates up to 6 years.
Closing costs may range from $33.00 - $35.00. As of 8/8/06 the variable APR for recreational vehicles is 6.99% to 9.99%. This interest rate is subject to change, but will not exceed 18% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply. |
| Share Covered |
4.00% |
| Certificate
Covered |
Certificate rate
+2%
As of 8/8/06 a current rate for a loan covered by a 1 year certificate is 7.30% APR, which is subject to change.
|
| Personal (Line of Credit) |
9.99%
- 18.00% |
| Overdraft
Protection |
9.99%
- 18.00% |
| Travel
Trailers - Fixed |
5.25%
- 18.00% |
| Travel
Trailers - Adjustable |
6.90% - 18.00%
based on 6 month T-bill +2 (floor 5.00)
Closing costs may range from $33.00 - $35.00. As of 8/8/06 the variable APR for travel trailers is 6.99% to 9.99%. This interest rate is subject to change, but will not exceed 18% APR. Consult your tax advisor regarding the deductibility of interest. Property insurance is required. Some additional restrictions may apply. |
| 1st Mortgages
- Fixed |
4.75%
- 18.00% |
| Mobile
Home - Fixed |
4.75%
- 18.00% |
| Recreational
Vehicles - Fixed |
4.75%
- 18.00% |
